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Arkansas Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Joe Dyton
Written by
Joe Dyton
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Written by
Joe Dyton
Insurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Arkansas (2022)

For drivers with bad credit in Arkansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Arkansas.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Direct Auto$145
Dairyland Insurance$155
Jupiter Auto$167
Safeco Insurance$177
Hallmark Insurance Company$190
Nationwide$200
Liberty Mutual$213
American Family Insurance$221
Midvale Home & Auto$229
The General$244

Bad Credit Car Insurance in Arkansas

Having bad credit can limit your ability to borrow money. It also helps determine how much you pay for car insurance. There are a few states that prohibit car insurance companies from taking a driver's credit history into account when determining rates, but Arkansas is not one of them. Drivers with bad credit in Arkansas can expect a credit check when they attempt to get car insurance. A poor credit score won't prevent you from getting coverage, but it may force you to pay more for it.

Arkansas Car Insurance Rates for Bad Credit Drivers

Excellent
$188
Good
$210
Average
$211
Poor
$229

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Arkansas?

Drivers with bad credit pay a little less than three percent more on car insurance than average in Arkansas. Insurers will look at factors such as your total debt and payment history to determine your insurance credit score and your risk level, according to the Insurance Information Institute. Car insurance companies do this to calculate the chances that you will file a future claim. Your insurance credit score is just a portion of what determines your car insurance rate. Your driving record and claims history also factor into how much you pay.

Although drivers with bad credit in Arkansas don't pay that much more for car insurance, it's still worth maintaining good credit to keep your costs low.

Avg. Monthly Cost - for Drivers with Good Credit
$200
Avg. Monthly Cost - for Drivers with Bad Credit
$205
$5 ▴
2.50% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Arkansas?

There are car insurance companies that won't check your credit as you try to get coverage. It's not always the best idea to buy a policy from one of these companies, however. The trade-off for not going through a credit check is you may end up paying more for your car insurance than you would with a standard car insurance company. It might be worth it to go through the credit check if it means paying less for your car insurance.

Whether you wind up with a policy with or without a credit check, get quotes from multiple companies to help you find the best price.

Arkansas Car Insurance Rates by Credit Tier

Drivers with excellent credit pay the least per month for car insurance in Arkansas, as expected. What's more surprising is just $1 separates the average monthly car insurance cost for Arkansas drivers with good and average credit.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$188
Good$210
Average$211
Poor$229

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Car Insurance Rates With Bad Credit in Arkansas Cities

Arkansas drivers with bad credit will find that car insurance isn't inexpensive, regardless of where they live. Fort Smith has one of the lowest average monthly insurance rates at $157. Jonesboro's average monthly insurance rate for drivers with poor credit is a little less than $200, and rates go up from there.

CityCredit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Little RockPoor$243
Hot Springs National ParkPoor$210
Fort SmithPoor$158
JonesboroPoor$194
North Little RockPoor$234
BentonPoor$232

Tips for Researching Bad Credit Arkansas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Arkansas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Arkansas Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Arkansas. Insurify analyzed the latest data for the five most populous cities in Arkansas to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Arkansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Joe Dyton
Written by
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.